Punjab Optics

• Discounts, offers, and benefits are provided solely at the discretion of the participating merchant. The Bank does not guarantee the availability, continuity, or quality of any discount or offer. * The Bank shall not be held responsible for any refusal, withdrawal, or modification of discounts by merchants. Customers agree that the Bank is not liable to provide compensation, reimbursement, or credit in lieu of any discount not honored by a merchant. * Discounts are offered directly by merchants. The Bank is not an agent, representative, or guarantor of the merchants, their products, or services. * Discounts may be subject to merchant specific terms, conditions, exclusions, or validity periods. Customers are advised to confirm details with the merchant prior to making a purchase. * Any complaints, claims, or disputes regarding merchant discounts, merchant products, or merchant services must be addressed directly with the merchant. The Bank will not intervene or mediate such matters. * The Bank reserves the right to amend, suspend, or terminate the discount program or participating merchants at any time without prior notice. * Discounts are applicable only when payment is made using the Al Baraka Debit Card at participating merchants, subject to merchant acceptance and provision of the associated discount.

• Discounts, offers, and benefits are provided solely at the discretion of the participating merchant. The Bank does not guarantee the availability, continuity, or quality of any discount or offer. * The Bank shall not be held responsible for any refusal, withdrawal, or modification of discounts by merchants. Customers agree that the Bank is not liable to provide compensation, reimbursement, or credit in lieu of any discount not honored by a merchant. * Discounts are offered directly by merchants. The Bank is not an agent, representative, or guarantor of the merchants, their products, or services. * Discounts may be subject to merchant specific terms, conditions, exclusions, or validity periods. Customers are advised to confirm details with the merchant prior to making a purchase. * Any complaints, claims, or disputes regarding merchant discounts, merchant products, or merchant services must be addressed directly with the merchant. The Bank will not intervene or mediate such matters. * The Bank reserves the right to amend, suspend, or terminate the discount program or participating merchants at any time without prior notice. * Discounts are applicable only when payment is made using the Al Baraka Debit Card at participating merchants, subject to merchant acceptance and provision of the associated discount.